Reduction and exemption of credit information service charges and provision of convenient and secure credit information services——The Credit Center of the People's Bank of China fully supports epidemic prevention and control and economic and social development
In order to implement the decision-making arrangements of the Party Central Committee and the State Council on coordinating and advancing the prevention and control of the new crown pneumonia epidemic and economic and social development, the People's Bank Credit Information Center actively reduced and waived the credit service charges and adopted a series of measures to provide convenient and safe credit information for all sectors of society Services to help enterprises resume work and production and support economic and social development.
I. Reduction of credit service charges and reduction of corporate and personal financing burden
In order to support financial institutions to reduce the financing burden of enterprises and individuals, and help enterprises and individuals cope with difficulties, from March 1, 2020 to June 30, 2020, the Credit Information Center is facing rural commercial banks, rural cooperative banks, rural credit cooperatives, villages and towns. Banks, small loan companies, consumer finance companies, financial leasing companies, financing guarantee companies, private banks, independent legal person direct sales banks and other 10 types of rural, private and micro-financial institutions are exempt from corporate credit reports and personal credit report inquiry services Fees: For all financial institutions, enterprises and other organizations, individuals are exempted from corporate account receivables pledge registration, change registration, and opposition registration fees. According to preliminary estimates, this will reduce the free use of about 164 million yuan.
2. Disburse special funds in a timely manner to ensure the security of counter-based credit information inquiry services
In order to effectively ensure the safety of credit check services for enterprises and individuals, the Credit Report Center issued the “Notice on Providing Credit Support Services to Win the Outbreak Prevention and Control Suppression War” on January 30, 2020, and standardized the counter counters across the country. Service security standards. At the same time, in order to ensure the implementation of service safety standards, on January 31, a total of 60 million yuan of special funds were allocated to various counters for credit counters in various places for epidemic prevention and control, which effectively ensured the normal operations of the counters for credit counters and businesses. And personal customer safety.
Third, expand online inquiry channels to achieve business and individual inquiries without leaving the home
During the epidemic, the Credit Information Center actively took measures to help enterprises and individuals check their own credit reports without leaving home.
✓ Realize the optimization and upgrade of the Internet personal credit information service platform, and provide the second-generation format personal credit report inquiry service to the society, further improving the service efficiency.
✓ Encourage and guide enterprises and individuals to check their own credit reports through Internet channels as much as possible, and encourage the people to “check the credit without leaving home” to reduce the risk of cross infection. During epidemic prevention and control, Internet credit inquiry services accounted for about 46% of my total enquiries, an increase of 11% over the same period last year.
✓ Achieve nationwide coverage through agency channels. The Credit Information Center has provided personal credit inquiry throughout the country through China Merchants Bank and China CITIC Bank Online Banking; and provides corporate credit inquiry through China Construction Bank Online Banking nationwide. In addition, the Credit Information Center also conducts corporate credit inquiry through ICBC and Bank of Beijing Online Banking in Beijing, Shanghai, Zhejiang and other places, actively expands the coverage of pilot banks' online banking inquiry, and explores credit inquiry through mobile banking agents.
Supporting the epidemic prevention and control and economic and social development, the central bank's credit reporting service has an unshirkable responsibility. The Credit Information Center is working hard to overcome the impact of the epidemic situation, do its best to provide credit information services, and fulfill its responsibilities with practical actions.